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Junior ISA

The younger generation are facing new and difficult financial challenges as they grow up in the modern world. University tuition fees, the challenge of finding a deposit on a first house and, further ahead, the prospect of having to work longer and make provision for an income in retirement. In 2011 Junior ISAs replaced Child Trust Funds (CTF). For children born between 2002 and 2011, they would have had a CTF. These can be transferred into a Junior ISA.

The St. James's Place Junior ISA can help give youngsters a head start and an introduction to the importance of saving. It provides a flexible and tax-efficient way to build a capital sum to help secure the financial future of your children.

It can ensure they have a good education, open up opportunities and help them get established when they grow up. Starting to save money now might be the difference between whether or not they can afford to do what they would like when the time comes.

You should be aware that an investment with St. James's Place will be directly linked to the performance of the funds selected and the value may therefore fall as well as rise. You may get back less than you invested.

The favourable tax treatment given to Junior ISA is subject to changes in legislation and may not continue in the future.

The Partner Practice is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the group's wealth management products and services, more details of which are set out on the group's website www.sjp.co.uk/products. The 'St. James's Place Partnership' and the titles 'Partner' and 'Partner Practice' are marketing terms used to describe St. James's Place representatives.